KLUP
ActiveSummary
KLUP has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135k and a net result of €83k. Equity is growing by ~50.6% per year across the filed fiscal years. Its solvency ranks better than 52% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+10
Solvency61▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.9 against 1.47 in 2024; short-term debt: 48.6% and cash: 38.7% of total assets), but 63.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36.1%
Return on assets
22.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-05-2026, 85 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
85 d early
2024
111 d early
2023
152 d early
2022
38 d early
2021
23 d early
2020
43 d early
2019
37 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€135k▲ 57.5%
2024 · €86k
2019: €17k
2020: €13k
2021: €38k
2022: €33k
2023: €45k
2024: €86k
2019 → 2025
Total assets
€375k▲ 30.8%
2024 · €287k
2019: €86k
2020: €85k
2021: €275k
2022: €102k
2023: €93k
2024: €287k
2019 → 2025
Net result
€83k▲ 104%
2024 · €41k
2019: €-3k
2020: €-4k
2021: €25k
2022: €-5k
2023: €12k
2024: €41k
2019 → 2025
Working capital
€165k▲ 113%
2024 · €77k
2019: €30k
2020: €23k
2021: €41k
2022: €29k
2023: €38k
2024: €77k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€33k▼ 13.0%€45k▲ 36.3%€86k▲ 90.8%€135k▲ 57.5%
Operating result€32k-€-886€18k€62k▲ 234%€108k▲ 75.4%
Net result€25k-€-5k€12k€41k▲ 241%€83k▲ 104%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 75% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €375k
Fixed assets
€28k ▼ 38.9%
Current assets
€347k ▲ 44.1%
Equity and liabilities €375k
Equity
€135k ▲ 57.5%
Debt
€240k ▲ 19.4%
Debt's share of the balance-sheet total falls from 70.0% to 63.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€112k▲
2024 · €64k
Cash flow
€88k▲
2024 · €43k
Current ratio
1.90▲
2024 · 1.47
Quick ratio
0.97▲
2024 · 0.78
Debt to equity
1.77▼
2024 · 2.34
ROE
61.6%▲
2024 · 47.6%
ROA
22.2%▲
2024 · 14.3%
Interest coverage
11.67▼
2024 · 19.09
Debt ≤ 1 year
€182k▲
2024 · €164k
Debt > 1 year
€57k▲
2024 · €36k
Income taxes
€16k▼
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€287k€375k▲
Fixed assets21/28€46k€28k▼
Intangible fixed assets21€310€0▼
Tangible fixed assets22/27€7k€22k▲
Furniture and vehicles24€1k€2k▲
Other tangible fixed assets26€6k€20k▲
Financial fixed assets28€38k€6k▼
Current assets29/58€241k€347k▲
Stocks and contracts in progress3€113k€170k▲
Stocks30/36€113k€170k▲
Amounts receivable within one year40/41€69k€29k▼
Trade receivables40€67k€9k▼
Other amounts receivable41€2k€21k▲
Cash at bank and in hand54/58€59k€145k▲
Deferred charges and accrued income490/1€0€3k▲
Equity and liabilities
Total equity and liabilities10/49€287k€375k▲
Equity10/15€86k€135k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€66k€115k▲
Amounts payable17/49€201k€240k▲
Amounts payable after more than one year17€36k€57k▲
Financial debts170/4-€33k
Other amounts payable178/9€36k€24k▼
Amounts payable within one year42/48€164k€182k▲
Current portion of amounts payable after more than one year42€0€13k▲
Financial debts43€4k€37k▲
Credit institutions430/8€4k€37k▲
Trade debts44€122k€53k▼
Suppliers440/4€122k€53k▼
Taxes, remuneration and social security45€38k€45k▲
Taxes450/3€38k€45k▲
Other amounts payable47/48€80€34k▲
Accrued charges and deferred income492/3€1k€400▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€584€5k▲
Gross operating margin9900€64k€118k▲
Operating profit (loss)9901€62k€108k▲
Financial income75/76B€93€598▲
Recurring financial income75€93€598▲
Financial charges65/66B€3k€10k▲
Recurring financial charges65€3k€10k▲
Profit (loss) for the period before taxes9903€58k€99k▲
Income taxes67/77€17k€16k▼
Profit (loss) for the period9904€41k€83k▲
Profit (loss) for the period to be appropriated9905€41k€83k▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€149k▲
Profit (loss) brought forward from the previous period14P€25k€66k▲
Profit to be distributed694/7-€34k
Directors or managers695-€34k
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €83k ▲104%
Operating result €108k, net result €83k, both a record.
31-12
Financial
Equity above €100kEq €135k ▲57.5%
3 profitable years in a row build equity to €135k.
11-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-5k ▼120%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €25k
Net result €25k after 2 loss-making years.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Verviers · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Avenue du Chêne 1814802 VerviersGround area
673 m²
Building footprint
196 m²
Volume, LiDAR
2,351 m³
2 parcels, Wallonia · tallest building 15.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
KLUP
since 20192.281.820.179
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63036A0201/00G005 | Wallonia | 487 m² | 1 · 60 m² | 15.3 m · 5 fl. |
| 63036A0336/00Z003 | Wallonia | 186 m² | 1 · 136 m² | 11.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
SUDDLE ENTREPRISE
BE 0863.923.372
Antwerpen · Eq €135,319
ZUS & GUS
BE 0677.893.210
Huldenberg · Eq €135,560
MY Choice
BE 0560.702.263
Sint-Lambrechts-Woluwe · Eq €135,684
DRY NIVELLES
BE 0680.556.849
Nivelles · Eq €135,894
BAERT FASHION
BE 0808.307.136
Hamme (Vl.) · Eq €136,204
Of 6,503 companies in sector 47716 we hold annual accounts for 2,441. 1,863 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47715Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.